PerilPulse

HazardHub-compatible property hazard risk API for P&C underwriting

Underwriting & Risk Established Bootstrapped

Overview

PerilPulse is a property hazard risk API for P&C insurance underwriters, delivering risk scores and letter grades across 25+ peril types for properties in the United States.

The API returns numeric risk scores (0-100) and letter grades (A-F) for perils including flood, wildfire, earthquake, wind, hail, storm surge, lightning, landslide, tsunami, volcano, sinkhole, environmental hazards, and crime, drawing on a dataset the company describes as covering more than 150 million analyzed U.S. properties. Requests accept a street address, geographic coordinates, or parcel ID, with response times the company states are under 100 milliseconds. PerilPulse markets the API as a compatible substitute for HazardHub: endpoint structure and response schema are designed to match HazardHub's so that existing HazardHub integrations require little to no code change. The company also sells on-demand PDF hazard reports per property and publishes a migration guide for HazardHub customers switching providers.

PerilPulse is operated by Underwriters Technologies, Inc., an Austin, Texas-based insurance technology company founded in 2002 and led by CEO Jay Menna; Underwriters Technologies also develops InsurSys, an underwriting suite for MGAs and program managers. No independent venture funding has been reported for PerilPulse. Pricing runs on a pay-as-you-go model (around $1.40 per query, dropping to $0.50 per query at volume of 1,000+ monthly queries) alongside a free trial.

Products & Services

PerilPulse Hazard API

RESTful API that returns property-level hazard risk scores (0-100) and letter grades (A-F) across 25+ peril types, including flood, wildfire, earthquake, wind, hail, storm surge, lightning, landslide, tsunami, volcano, sinkhole, environmental hazards, and crime, for properties in the United States. Requests accept a street address, geographic coordinates, or parcel ID.

Key Features

Risk scores and A-F letter grades across 25+ hazard types
Address, coordinate, or parcel ID lookup
Response times the company states are under 100 milliseconds
Endpoint structure and response schema designed to match HazardHub, for drop-in migration

Target Users: P&C underwriters currently using or evaluating HazardHub-compatible hazard data

PDF Risk Reports

On-demand PDF hazard reports generated per property query, priced separately from API calls at $2.00 per report.

Key Features

Per-property PDF hazard summary
Priced independently from API query volume

Target Users: Underwriters needing a shareable, documented hazard report per property

Migration Tooling

A published migration guide and migration assistance for HazardHub customers switching to PerilPulse, aimed at minimizing engineering effort during the transition.